Binance to rename Funding Account as Stocks Account

Binance has set Sept. 29 as the start of a phased migration that will move non-stock crypto assets from Funding Accounts into Spot Accounts before the Funding Account becomes a dedicated Stocks Account in January 2027.

Binance said the migration will continue through January, with individual batches and the exact account-renaming date to be announced later. The Stocks Account will be reserved for U.S. equities, stock options and six settlement assets: USD, USDC, USDT, USD1, U and BNB.

Users do not need to complete the transfer manually. Binance plans to add a One-Click Migration feature for customers who want to move supported balances earlier, while remaining non-stock assets will transfer automatically in batches starting in January. The company says aggregate balances and historical transaction records will remain intact.

Binance Stocks Account will separate equities from crypto

From Sept. 29, the Funding Account will stop accepting on-chain deposits as Binance starts separating stock settlement from its regular cryptocurrency wallet structure. Non-stock crypto deposits and withdrawals will run through Spot Accounts.

The six settlement assets will remain transferable internally between Spot and the future Stocks Account. Binance’s FAQ states that direct on-chain deposits and withdrawals will not be available from the Stocks Account, including for those six assets. A user who wants to withdraw USDT, USDC, BNB or another supported settlement asset must first transfer it internally to Spot.

The account will retain direct U.S. equities and stock options because Binance says securities settlement must occur through a dedicated account. Other crypto assets will be consolidated in Spot, which the exchange says is intended to remove overlap between its current Funding and Spot structures.

A separate distinction applies to bStocks. Binance’s tokenized securities will not remain inside the Stocks Account even though their prices track equities. Existing bStock balances held in Funding Accounts can move through One-Click Migration and will otherwise transfer automatically to Spot beginning in January. Newly converted bStocks will go directly to Spot.

As previously reported, Binance launched tokenized U.S. equities with 24/7 bStocks trading in June. Those products are backed by underlying securities but differ from direct stocks because bStocks are blockchain-based tokens and do not give holders direct shareholder rights.

Sept. 29 changes affect Pay, Convert and Binance Alpha

The migration reaches several services that have historically relied on Funding Accounts.

Beginning Sept. 29, assets received through Binance Pay, Binance Card and Gift Card will be credited to Spot Accounts. Funding balances can temporarily remain payment sources for Pay, but Binance plans to remove Funding before the Stocks Account rename.

Once Funding disappears as a Pay source, recurring send plans funded solely from that account will stop executing. Users relying on those plans will need to select another payment source. Binance has not disclosed the exact date when Funding will stop supporting Pay deductions.

Convert orders receive a similar account change without canceling open trades. Existing limit orders with assets frozen in Funding will stay open, but orders that settle or expire after Sept. 29 will return funds to Spot. New limit orders created from that date will freeze and settle funds solely in Spot.

Recurring Convert orders will settle into Spot or Earn according to the user’s configuration, while failed-order refunds will return to Spot. Binance recommends changing account selections from Funding to Spot where required for existing recurring plans.

For Binance Alpha 2.0, stablecoins used in limit-order purchases and sales will move through Alpha Accounts from Sept. 29. Liquidity-provider rebates for the Alpha limit-order program will be credited there as well. Binance says Alpha users do not need to create a separate account because the Alpha Account already forms part of its account structure.

API users face a technical adjustment. Binance advises integrations that currently reference Funding Accounts to change their account reference to Spot as settlement activity moves away from Funding.

P2P advertisers get a separate account in December

P2P activity will move in stages because advertisers still rely on Funding Accounts for posted advertisements and merchant deposits.

From Sept. 29, normal P2P users who have no advertisement history during the previous three months or do not have merchant status will use Spot as the default source for buy and sell orders after updating the Binance app.

Advertisers will continue using Funding for maker orders, taker orders, advertisements and related deposits until December. Binance then plans to introduce a dedicated P2P Account and guide advertisers through moving assets connected with their listings.

Existing advertisements can remain active during the transition, and Binance says their original update times will be preserved so the migration does not alter ranking information in the P2P marketplace. New advertisers joining after the dedicated P2P Account arrives will be directed into the new structure.

After January 2027, Binance says P2P advertisements that have not moved into the dedicated account will be closed automatically. The exchange warns that P2P activity may be interrupted for app users who fail to update to a version supporting the new account structure.

Stocks Account follows Binance’s equity expansion

The account change comes after Binance spent several months expanding from crypto trading into direct equities and securities-linked products.

On June 1, the exchange launched direct access to more than 7,000 U.S.-listed stocks and ETFs for eligible users. Binance says customers directly own fractional shares held through regulated brokerage infrastructure, with purchases starting from $5. Product access remains subject to regional restrictions.

One month later, Binance reported that users held more than $1 billion in U.S. equities through Direct Stocks and had generated close to $3 billion in cumulative trading volume. Around 73% of users came from emerging markets, according to company data.

In related coverage, Binance’s Direct Stocks product crossed $1 billion in holdings within 30 days after its June launch. The product gives eligible customers direct securities exposure, unlike bStocks or equity-linked perpetual contracts.

Binance expanded the securities lineup on Sept. 1 when it launched physically settled options on selected U.S.-listed stocks and ETFs. Users can buy calls or puts, while the initial version does not permit customers to write options. Exercised contracts settle into the underlying shares.

As crypto.news previously reported, Binance introduced U.S. stock and ETF options for eligible users as part of its TradFi product lineup. Stock options and direct equities will remain in the future Stocks Account, while bStocks stay within Spot after the migration.

Binance later launched an ETF wealth-management offering with 11 U.S.-listed funds. In related coverage, the 11-ETF product focused largely on Treasury and investment-grade bond funds, with actual ETF shares held through brokerage infrastructure.

The Funding Account name will remain visible during the transition and in historical records. Binance says the formal Stocks Account rename will occur sometime in January 2027, but the exact date has not yet been published.

Users with older mobile-app versions will not see the One-Click Migration tool. Binance says their remaining balances will still move automatically once backend migration batches begin, while users wanting to transfer assets earlier should update to the latest iOS or Android application.